Health and life insurance coverage in the UAE carries more than transactional weight. It sits within a broader national framework — one that expects insurance products to operate with discipline, transparency, and moral clarity. As the participation widens and oversight deepens, the nature of policy delivery has started to separate into distinct tiers.
A growing number of providers are moving toward mechanisms anchored in mutual support. These models avoid ambiguity in contract terms, maintain clear treatment of surplus, and apply investment rules bound by religious and legal standards.
Takaful Emarat, established in 2008, applies this approach across its life and health coverage offerings. Its model relies on pooled contributions, with protections extended to all participants through a fixed set of rules.
Fund segregation is maintained, and every obligation is reviewed under the firm’s appointed Shariah board. Claims are efficiently handled through participant funds. Investment activity remains within screened channels. All processes are reviewed by an independent Shariah board, creating a form of insurance that answers to both compliance bodies and ethical governance.
| As this format becomes integral to the UAE’s domestic coverage strategy, World Business Outlook has acknowledged the contribution of a leading entity in this space. And, Takaful Emarat – Insurance (P.S.C.) has been awarded the title of: Leading Shariah-Compliant Life and Health Takaful Provider in the UAE 2025 The recognition shows the firm’s consistency in applying cooperative insurance principles within a regulated system. Across their product categories, Takaful Emarat maintains proper separation of accounts, defined claims execution, and surplus treatment in accordance with approved religious and financial standards. |
Defined Structures Governed by Shariah Oversight
Takaful Emarat operates differently from conventional insurance. The concept of Takaful is based on the following principles:
- Mutual Cooperation: Participants cooperate with one another for the common good of the group.
- Contributions for Assistance: Each participant makes a contribution to assist others in times of need.
- Donation-Based Agreement: The Takaful contract functions as a donation agreement, designed to share losses and spread liability through a community pooling system.
- Elimination of Uncertainty: The elements of uncertainty are removed, as both the contributions and compensation amounts are clearly defined.
- Ethical Sharing: Takaful does not seek to profit at the expense of others, ensuring fairness and equity within the system.
The board includes reputed scholars in the Sharia Board, such as Dr. Moosa Khoory and Dr. Azzedine Benzeghiba, each of whom carries decades of experience in Islamic finance jurisprudence. Their guidance supports all core activities, from product approval to surplus distribution methodology.
Health Plans Designed for Accessibility and Scale
The company’s corporate Health plans are designed to serve employers looking to consolidate health protection under a single policy. Coverage includes both employees and their dependents, applied through a single contract. The plan connects users to a medical network that spans local and international providers, including hospitals, clinics, and specialist care centres. In addition to it, Takaful Emarat also offers a wide variety of individual health plans to ensure comprehensive coverage and access to quality health care services.
Life Protection the Shariah-Compliant Way
When it comes to protecting what matters most — your family, your legacy, and your peace of mind — life coverage plays a foundational role. In a world increasingly seeking ethical and value-aligned financial solutions, Takaful Emarat’s life protection plans stand out by blending mutual cooperation with faith-based integrity. Whether your goal is simple protection or long-term wealth accumulation, our solutions support every stage of life.
Pure Protection for Peace of Mind
Takaful Emarat’s Pure Protection Plans provide straightforward life coverage without any investment component — offering essential financial security with simplicity and clarity. Under the Takaful model, participants contribute to a shared Tabarru’ fund, which supports others in times of need. With affordable contributions, optional riders, and a fully Shariah-compliant structure, these plans are ideal for individuals and families seeking peace of mind rooted in ethical assurance.
Savings with Purpose
Designed for those planning future milestones such as education, Hajj, or homeownership, Takaful Emarat’s Savings Plans combine life cover with regular, disciplined savings. Contributions are partially invested in Shariah-compliant funds, with benefits paid upon maturity or in the event of death. These plans ensure transparent fund allocation and encourage halal financial growth, free from interest and unethical industries.
Halal Wealth Growth
Takaful Emarat’s Investment Plans enable participants to make lump-sum contributions that are invested in ethical, Shariah-compliant funds — while maintaining life cover. Offering market-linked performance, these plans are tailored for individuals seeking long-term, halal wealth creation.
A Modern, Transparent Approach
Every Takaful Emarat offering is built on the foundation of transparency and trust — featuring clear fee structures, certified Shariah oversight, surplus sharing, and a fully digital process. Together, these elements empower customers to protect and grow their future in alignment with their faith and values.
